Hai Tran is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has previously worked at JP Morgan Chase and Bank of America, N.A. from 2014 to 2019. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Matthew George is a financial advisor at J.P. Morgan Securities based in Santa Cruz, CA. He holds Series 63 and Series 65 licenses and has recent experience at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. Prior to entering the financial industry, his background includes roles at Uber Technologies, Marriott International, and Starbucks Coffee Company. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. Their advisory process includes centralized due diligence and incorporates quantitative and qualitative research to develop model asset allocations.

Jacob Young is a CFP® with 29 years of experience in financial advising. He is currently with OSAIC, where he has worked since 2024, following 15 years at Securities America Advisors, Inc. and eight years at Brecek & Young Advisors, Inc. He owns Jacob Young Financial, a firm involved in insurance sales and financial advising. Osaic Wealth serves a broad range of retail and institutional clients, offering brokerage and advisory services through multiple programs including comprehensive financial planning, advisor-managed portfolios, and retirement plan consulting. The firm’s investment process uses model-based asset allocation and portfolio optimization, supported by risk-tolerance assessments and rebalancing tools.

Nayana Darrah is a financial advisor at Morgan Stanley with 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Jerald Reich is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank N.A. since 2016. He is based in Santa Cruz, CA. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a range of advisory programs, including customized financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and models.

Kevin Newhouse is a Series 66-credentialed financial advisor at OSAIC with 16 years of industry experience. Prior to joining OSAIC, he worked at Morgan Stanley Smith Barney for 10 years and Securities America Advisors for 5 years. He serves as a commissioner on the Santa Cruz County Historic Resources Commission and is a steering committee member of the Aptos History Museum, both volunteer roles focused on local historic preservation and cultural activities. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform with model-based asset allocation and portfolio optimization tools. The firm is notable for its scale, recent consolidation activities, and a complex affiliate network comprising broker-dealers, asset managers, insurance, and trust affiliates.

Mark Rosenberg is a financial advisor with LPL Financial in Scotts Valley, CA, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He previously worked at Western International Securities, Inc. for eight years and Financial West Group for 21 years. In addition to advisory services, he is a California Tax Education Council (CTEC)-Registered Tax Preparer who provides tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and extensive non-advisory financial services.

Josiah Clymer is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 credential and two years of industry experience. His background includes roles at Morgan Stanley Private Bank, CrowsNest Restaurant Group, and Starbucks Corporation. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs and tailored financial planning, utilizing structured discovery processes and advanced modeling tools to support client planning needs.

Brett Macauley is a financial advisor with Ameriprise in Santa Cruz, California, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2003. Outside of his advisory role, Macauley is involved in executive coaching for financial advisors and owns several consulting and management businesses. Ameriprise offers a retirement-income planning service tailored for clients approaching or in retirement with significant investable assets, providing detailed recommendation reports that incorporate tax-efficient strategies and Social Security options. The firm combines research, modeling, and algorithmic tools to support its advisory process and delivers a broad range of advisory, brokerage, and insurance solutions.

Olga Pappas is a financial advisor at Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation with 22 years of industry experience. She has worked at Morgan Stanley and its affiliated entities since 2004, including a brief tenure at Citigroup Global Markets. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering comprehensive financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through a range of investment and planning strategies.

Kyle Coulter is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2016. Outside of his advisory role, he serves as a board member of the Watsonville Rotary Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their financial planning process utilizes structured discovery, proprietary tools, and modeling techniques, focusing on advisory services without providing individual security recommendations in standalone plans.

Jessica Locatelli is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds a Series 66 designation and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2011. Outside of her advisory role, she is involved with the Santa Cruz County Community Foundation and The Community Foundation of Santa Cruz County, serving on their advisory and finance committees. Additionally, she is associated with Boulder Creek Stables, a private horse boarding business. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s investment approach includes structured planning tools and utilizes market simulations to model outcomes.

Natalie Smith is a financial advisor at OSAIC with four years of industry experience. She holds the Series 66 designation and previously worked at Securities America, inc. and Architectural Facades. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an investment process that emphasizes model-based asset allocation, portfolio optimization, and the use of discretionary and advisor-managed strategies.

Juliana Cardinale is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, she worked briefly in the hospitality sector and was a student for several years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies. The firm’s retirement planning service utilizes proprietary research, third-party data, and algorithmic tools to deliver tailored recommendations within a defined investment universe.

Kenneth Evans is a financial advisor at Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, he worked for Epicenter Cycling and The Bike Shop. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in assets and employing structured planning tools such as Monte Carlo simulations and Secular Return Estimates.

Wendi Eckardt is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. She has been with Morgan Stanley since 2013. Outside of her advisory role, she serves as a FINRA arbitrator. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools and market models.

Kurt Grundner is a financial advisor at Edward Jones in Scotts Valley, CA, holding a Series 66 designation with one year of industry experience. His prior roles include self-employment from 2019 to 2024 and eight years at Scharf Investments. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of advisory programs, investment strategies, and affiliated financial products. The firm operates a large network of more than 23,700 advisors and 15,000 branch offices nationwide.

Casey Flom is a financial advisor with LPL Financial in Santa Cruz, CA, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial and BMO Bank NA in 2026, Flom worked at Edward Jones for three years. He is also the owner of Redwood Original, LLC, a business consulting firm where he assists clients with business process reviews and performs various odd jobs. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers diverse advisory and brokerage services that include financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Angelina Mcclellan is a Series 66 licensed financial advisor with Morgan Stanley in Santa Cruz, CA, where she has worked for 14 years since 2011. She serves as a trustee for multiple trusts. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and delivers both direct and employer-sponsored financial planning services.

Glenn Nagamine is a financial advisor at OSAIC with 12 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Securities Corporation and ON Investment Management Co. In addition to his advisory role, he operates a sole proprietorship offering fixed disability insurance, fixed/indexed annuities, long-term care insurance, and traditional life insurance products. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm’s investment process uses model-based asset allocation and portfolio optimization with various advisory programs supported by a complex network of affiliated broker-dealers, asset managers, and trust affiliates.